Credit Reports and Credit Ratings

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About Credit Reports and Ratings
In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.

Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. 

Five Reasons to Check Your Credit Report Regularly
Inaccuracies & Mixed Credit Files
Tracking Payments
Identity Theft
Inquiries
Credit Fraud (Unauthorized Charges)

Get a Free Credit Report
Under new Federal Law "the Fair and Accurate Credit Transactions Act (FACT Act)" you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

Credit Rating Companies (Bureaus)

TRW

Experian (TRW Credit Reports)

Equifax

Trans Union

See Also:
USA Business Directory
USA Banking
Credit Cards and Credit Card Companies
USA Websites